A life insurance policy is a contract between the policyholder and the life insurance company. If the policyholder dies while the policy is in force, the life insurance company will pay the policyholders beneficiaries the contracted amount of money.

credit source – Forbes

However, issues may arise in an insurance claim if the policyholder dies during the contestability period. That’s when you need to be looking for a litigation lawyer which can help you with your insurance claim.

If an applicant is approved for life insurance, but if the insured dies within the period of contestability the insurance company can deny the beneficiaries claim.  When reviewing the claim during this period the insurance company will investigate and deny the life insurance if they find any material misrepresentations.

Common material misrepresentations include chronic disease, medical history, occupation/employment, age, income, tobacco usage, etc. Believe it or not, but this happens all the time that insurance companies deny a death benefit claim.

Such lawsuits may have a good chance of success as many times, the alleged material misrepresentation is not actually material, unclear, or debatable. The lawyers for life insurance policies claim are experienced in insurance law and will be able to compel the insurance company to change its mind and pay the claim.

Also, check out here what are some steps that you can take in order to decrease the chance of getting your claim denied. Still, If your claim for life insurance proceeds has been denied, you may take the following steps to pursue your rights:

  • Contact an attorney who is familiar with insurance law.
  • Ask the attorney whether your claim is viable and, if so, what arguments and defenses might be raised.

  • Ask the attorney if he or she will try to settle your claim before litigation or if he or she will sue immediately.

By taking the steps noted above, you will be informed in prosecuting your claim against the insurance company.